the other thing i'm worried about we know that united states is heading off a fiscal cliff. congress is going back into a lame duck session. we don't know what is going to be happening other than we know we have a huge fiscal crisis on our hands. we know there will be a lot of tax increases going into effect. americans are going to to be shocked and many things are going to trigger, expiration of the bush tax cuts or increases in affordable health care act and penalties. there are so many things that are going to trigger to increase taxes not only on individuals but businesses and certainly even upon state budgets. >> greta: what is overriding all of this, the reason we're going off the fiscal cliff is because a year and a half ago the congress and president and senate didn't do this work and pushed it up against a deadline. the reason you don't know what is happening with the state guidelines, they had a healthcare claw lau for two years. i know you are a member of congress but nobody is doing any work to get anything done. frankly if you don't know what the rules are, how